LTV · monthly repayment
▼ 0.50% · 3.625%
HK$66,799
−HK$4,189/mo
▼ 0.25% · 3.875%
HK$68,877
−HK$2,111/mo
Today · 4.125%
HK$70,988
baseline
▲ 0.50% · 4.625%
HK$75,307
+HK$4,319/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$141,976/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,313
−HK$4,015/mo
▼ 0.25% · 3.875%
HK$76,306
−HK$2,022/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$82,457
+HK$4,129/mo
Deposit HK$14.65M · loan HK$14.65M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$15.89M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,159
−HK$5,027/mo
▼ 0.25% · 3.875%
HK$82,652
−HK$2,534/mo
Today · 4.125%
HK$85,186
baseline
▲ 0.50% · 4.625%
HK$90,369
+HK$5,183/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$170,372/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$89,176
−HK$4,818/mo
▼ 0.25% · 3.875%
HK$91,568
−HK$2,426/mo
Today · 4.125%
HK$93,994
baseline
▲ 0.50% · 4.625%
HK$98,948
+HK$4,954/mo
Deposit HK$11.72M · loan HK$17.58M · min. income ≈ HK$187,988/mo (50% DSR)
Upfront cash ≈ HK$12.96M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$93,519
−HK$5,864/mo
▼ 0.25% · 3.875%
HK$96,428
−HK$2,955/mo
Today · 4.125%
HK$99,383
baseline
▲ 0.50% · 4.625%
HK$105,430
+HK$6,047/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$198,766/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$104,039
−HK$5,621/mo
▼ 0.25% · 3.875%
HK$106,829
−HK$2,831/mo
Today · 4.125%
HK$109,660
baseline
▲ 0.50% · 4.625%
HK$115,440
+HK$5,780/mo
Deposit HK$8.79M · loan HK$20.51M · min. income ≈ HK$219,320/mo (50% DSR)
Upfront cash ≈ HK$10.03M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$120,238
−HK$7,540/mo
▼ 0.25% · 3.875%
HK$123,978
−HK$3,800/mo
Today · 4.125%
HK$127,778
baseline
▲ 0.50% · 4.625%
HK$135,553
+HK$7,775/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$255,556/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$133,764
−HK$7,227/mo
▼ 0.25% · 3.875%
HK$137,351
−HK$3,640/mo
Today · 4.125%
HK$140,991
baseline
▲ 0.50% · 4.625%
HK$148,423
+HK$7,432/mo
Deposit HK$2.93M · loan HK$26.37M · min. income ≈ HK$281,982/mo (50% DSR)
Upfront cash ≈ HK$4.17M (deposit + AVD stamp duty HK$1,245,019 · Scale 2, in force from 26 Feb 2026)